Using Regulated Debit as a Benchmark

The "regulated debit" rate, usually around five basis points and 22 cents, is used as a standard for identifying hidden costs. Significant deviations in the statement from this rate suggest additional, undisclosed fees.

Variability of Markup Across Card Types

Markup on interchange fees varies widely across different card types and transaction methods, adding complexity. This inconsistency in fees complicates the detailed analysis of processing statements for non-standard charges.

Challenges for the Untrained Eye

Identifying hidden markups in interchange fees is difficult without knowledge of standard rates. The vast number of interchange categories and complex rates require specific expertise or tools for accurate analysis.